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Disputes","\u002Ffaq\u002Fregistered-mandates\u002Freturns-and-disputes","0.faq\u002F6.registered-mandates\u002F8.returns-and-disputes",{"title":338,"path":424,"stem":425},"\u002Ffaq\u002Fregistered-mandates\u002Fapi-vs-host-to-host","0.faq\u002F6.registered-mandates\u002F9.api-vs-host-to-host",{"title":427,"path":428,"stem":429,"children":430,"icon":432},"Bank Transfers and PayShap","\u002Ffaq\u002Fbank-transfers","0.faq\u002F7.bank-transfers\u002Findex",[431,433,437,441,445,449,453,457,461,465,469,473,477],{"title":427,"path":428,"stem":429,"icon":432},"i-lucide-landmark",{"title":434,"path":435,"stem":436},"EFT Credit Payments","\u002Ffaq\u002Fbank-transfers\u002Feft-credit-payments","0.faq\u002F7.bank-transfers\u002F1.eft-credit-payments",{"title":438,"path":439,"stem":440},"Proof of Payment","\u002Ffaq\u002Fbank-transfers\u002Fproof-of-payment-and-reconciliation","0.faq\u002F7.bank-transfers\u002F10.proof-of-payment-and-reconciliation",{"title":442,"path":443,"stem":444},"Failed and Returned Transfers","\u002Ffaq\u002Fbank-transfers\u002Ffailed-and-returned-transfers","0.faq\u002F7.bank-transfers\u002F11.failed-and-returned-transfers",{"title":446,"path":447,"stem":448},"Cross-Border and SWIFT","\u002Ffaq\u002Fbank-transfers\u002Fcross-border-payments-and-swift","0.faq\u002F7.bank-transfers\u002F12.cross-border-payments-and-swift",{"title":450,"path":451,"stem":452},"EFT vs RTC vs PayShap vs RTGS","\u002Ffaq\u002Fbank-transfers\u002Feft-vs-rtc-vs-payshap-vs-rtgs","0.faq\u002F7.bank-transfers\u002F2.eft-vs-rtc-vs-payshap-vs-rtgs",{"title":454,"path":455,"stem":456},"Bank Transfer Lifecycle","\u002Ffaq\u002Fbank-transfers\u002Fbank-transfer-lifecycle","0.faq\u002F7.bank-transfers\u002F3.bank-transfer-lifecycle",{"title":458,"path":459,"stem":460},"Real-Time Clearing","\u002Ffaq\u002Fbank-transfers\u002Freal-time-clearing","0.faq\u002F7.bank-transfers\u002F4.real-time-clearing",{"title":462,"path":463,"stem":464},"PayShap","\u002Ffaq\u002Fbank-transfers\u002Fpayshap","0.faq\u002F7.bank-transfers\u002F5.payshap",{"title":466,"path":467,"stem":468},"ShapIDs and Request to Pay","\u002Ffaq\u002Fbank-transfers\u002Fshapids-and-request-to-pay","0.faq\u002F7.bank-transfers\u002F6.shapids-and-request-to-pay",{"title":470,"path":471,"stem":472},"Final and Irrevocable Payments","\u002Ffaq\u002Fbank-transfers\u002Ffinal-and-irrevocable-payments","0.faq\u002F7.bank-transfers\u002F7.final-and-irrevocable-payments",{"title":474,"path":475,"stem":476},"Payouts and Bulk Payments","\u002Ffaq\u002Fbank-transfers\u002Fpayouts-and-bulk-payments","0.faq\u002F7.bank-transfers\u002F8.payouts-and-bulk-payments",{"title":478,"path":479,"stem":480},"Account Verification","\u002Ffaq\u002Fbank-transfers\u002Fbeneficiary-and-account-verification","0.faq\u002F7.bank-transfers\u002F9.beneficiary-and-account-verification",{"title":482,"path":483,"stem":484,"children":485,"icon":487},"Billing","\u002Ffaq\u002Fbilling","0.faq\u002F8.billing\u002Findex",[486,488,492,496,500,504,508,512],{"title":482,"path":483,"stem":484,"icon":487},"i-lucide-receipt",{"title":489,"path":490,"stem":491},"Invoice Payments","\u002Ffaq\u002Fbilling\u002Finvoice-payments","0.faq\u002F8.billing\u002F1.invoice-payments",{"title":493,"path":494,"stem":495},"Subscription Payments","\u002Ffaq\u002Fbilling\u002Fsubscription-payments","0.faq\u002F8.billing\u002F2.subscription-payments",{"title":497,"path":498,"stem":499},"Recurring Card Payments","\u002Ffaq\u002Fbilling\u002Frecurring-card-payments","0.faq\u002F8.billing\u002F3.recurring-card-payments",{"title":501,"path":502,"stem":503},"Instalments and Usage Billing","\u002Ffaq\u002Fbilling\u002Finstalment-and-usage-based-billing","0.faq\u002F8.billing\u002F4.instalment-and-usage-based-billing",{"title":505,"path":506,"stem":507},"Dunning and Recovery","\u002Ffaq\u002Fbilling\u002Fdunning-and-payment-recovery","0.faq\u002F8.billing\u002F5.dunning-and-payment-recovery",{"title":509,"path":510,"stem":511},"Plan Changes and Proration","\u002Ffaq\u002Fbilling\u002Fsubscription-plan-changes","0.faq\u002F8.billing\u002F6.subscription-plan-changes",{"title":513,"path":514,"stem":515},"Backup Cards and Updaters","\u002Ffaq\u002Fbilling\u002Fbackup-cards-and-account-updaters","0.faq\u002F8.billing\u002F7.backup-cards-and-account-updaters",{"title":517,"path":518,"stem":519,"children":520,"icon":522},"Disputes and Compliance","\u002Ffaq\u002Fdisputes-risk-and-compliance","0.faq\u002F9.disputes-risk-and-compliance\u002Findex",[521,523,527,531,535,539,543,547,551,555,559,563,567],{"title":517,"path":518,"stem":519,"icon":522},"i-lucide-scale",{"title":524,"path":525,"stem":526},"Refunds vs Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Frefund-reversal-dispute-chargeback","0.faq\u002F9.disputes-risk-and-compliance\u002F1.refund-reversal-dispute-chargeback",{"title":528,"path":529,"stem":530},"PCI DSS","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpci-dss","0.faq\u002F9.disputes-risk-and-compliance\u002F10.pci-dss",{"title":532,"path":533,"stem":534},"KYC, AML and POPIA","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fkyc-aml-sanctions-and-popia","0.faq\u002F9.disputes-risk-and-compliance\u002F11.kyc-aml-sanctions-and-popia",{"title":536,"path":537,"stem":538},"Incident Response","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-incident-response","0.faq\u002F9.disputes-risk-and-compliance\u002F12.payment-incident-response",{"title":540,"path":541,"stem":542},"Card Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-chargebacks","0.faq\u002F9.disputes-risk-and-compliance\u002F2.card-chargebacks",{"title":544,"path":545,"stem":546},"Chargeback Evidence","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fchargeback-evidence","0.faq\u002F9.disputes-risk-and-compliance\u002F3.chargeback-evidence",{"title":548,"path":549,"stem":550},"Debit Order Disputes","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fdebit-order-disputes","0.faq\u002F9.disputes-risk-and-compliance\u002F4.debit-order-disputes",{"title":552,"path":553,"stem":554},"Payment Fraud","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-fraud","0.faq\u002F9.disputes-risk-and-compliance\u002F5.payment-fraud",{"title":556,"path":557,"stem":558},"Card Testing and Velocity","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-testing-and-velocity-checks","0.faq\u002F9.disputes-risk-and-compliance\u002F6.card-testing-and-velocity-checks",{"title":560,"path":561,"stem":562},"Account Takeover","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Faccount-takeover-and-social-engineering","0.faq\u002F9.disputes-risk-and-compliance\u002F7.account-takeover-and-social-engineering",{"title":564,"path":565,"stem":566},"3DS and Fraud Prevention","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002F3ds-and-fraud-prevention","0.faq\u002F9.disputes-risk-and-compliance\u002F8.3ds-and-fraud-prevention",{"title":568,"path":569,"stem":570},"Tokenisation and Encryption","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Ftokenisation-encryption-and-hashing","0.faq\u002F9.disputes-risk-and-compliance\u002F9.tokenisation-encryption-and-hashing",{"id":572,"title":573,"body":574,"description":818,"extension":819,"links":820,"meta":821,"navigation":822,"path":89,"seo":823,"sitemap":824,"stem":90,"__hash__":825},"docs\u002F0.faq\u002F10.payment-operations\u002F4.webhooks-and-callbacks.md","What Are Payment Webhooks and Callbacks?",{"type":575,"value":576,"toc":807},"minimark",[577,581,589,594,610,614,617,639,646,650,679,683,686,703,707,774,777,781,801],[578,579,580],"p",{},"Webhooks and callbacks are how a payment provider tells your system that something happened: a DebiCheck mandate was authenticated, a collection was unpaid, a card payment settled. Instead of your system repeatedly asking for updates, the provider sends an HTTP request to an endpoint you host whenever a status changes.",[578,582,583,584,588],{},"Because so many South African payment outcomes are ",[585,586,587],"a",{"href":85},"asynchronous",", callbacks are usually the primary channel for final results. Getting the receiving side right is one of the most important parts of a payments integration.",[590,591,593],"h2",{"id":592},"how-do-payment-webhooks-work","How do payment webhooks work?",[595,596,597,601,604,607],"ol",{},[598,599,600],"li",{},"You register a callback URL with the provider, typically per environment.",[598,602,603],{},"When a mandate or payment changes state, the provider sends an HTTPS POST to your URL with a structured payload: a message ID, the event type, your original reference and the new status with its reason code.",[598,605,606],{},"Your endpoint acknowledges receipt, usually with an HTTP 200 response.",[598,608,609],{},"If the provider does not receive an acknowledgement, it retries delivery on a backoff schedule for a defined period.",[590,611,613],{"id":612},"how-do-you-verify-that-a-webhook-is-authentic","How do you verify that a webhook is authentic?",[578,615,616],{},"Never trust an inbound request just because it arrived at your endpoint. Verify it using the mechanisms your provider supports:",[618,619,620,627,633],"ul",{},[598,621,622,626],{},[623,624,625],"strong",{},"Request signatures",": the provider signs the payload (for example with an HMAC or asymmetric signature) and you verify the signature against the raw request body before parsing it.",[598,628,629,632],{},[623,630,631],{},"Mutual TLS (mTLS)",": both sides present certificates, so only the provider can establish a connection.",[598,634,635,638],{},[623,636,637],{},"IP allow-listing",": a supporting control, useful alongside signatures but weak on its own.",[578,640,641,642,645],{},"Also check timestamps to reject stale or replayed messages. Signature and authentication mechanics are covered in more depth in ",[585,643,644],{"href":109},"API authentication and signatures",".",[590,647,649],{"id":648},"how-should-your-endpoint-behave","How should your endpoint behave?",[618,651,652,658,667,673],{},[598,653,654,657],{},[623,655,656],{},"Acknowledge fast",": validate the signature, persist the raw event, return 200, and do the heavy processing asynchronously. Slow endpoints cause timeouts and unnecessary retries.",[598,659,660,663,664,645],{},[623,661,662],{},"De-duplicate by message ID",": retries mean you will receive the same event more than once. Record processed message IDs and ignore repeats, as described in ",[585,665,666],{"href":93},"idempotency and duplicates",[598,668,669,672],{},[623,670,671],{},"Handle out-of-order events",": an earlier status may arrive after a later one. Apply updates based on your state model, not arrival order.",[598,674,675,678],{},[623,676,677],{},"Fail safely",": if your processing fails after acknowledgement, you own the recovery. If you reject the request, expect a retry.",[590,680,682],{"id":681},"what-happens-if-you-miss-webhooks","What happens if you miss webhooks?",[578,684,685],{},"Endpoints go down, deployments break routes and certificates expire. Plan for gaps:",[618,687,688,691,694,697],{},[598,689,690],{},"Monitor for delivery failures and alert on sustained error rates.",[598,692,693],{},"Use the provider's status query API to reconcile any payment still pending beyond its expected window.",[598,695,696],{},"Where the provider offers event replay or a redelivery mechanism, know how to trigger it.",[598,698,699,700,645],{},"Reconcile daily against reports or response files so missed events surface as breaks, as covered in ",[585,701,702],{"href":61},"clearing, settlement and reconciliation",[590,704,706],{"id":705},"webhooks-vs-polling-which-should-you-use","Webhooks vs polling: which should you use?",[708,709,710,726],"table",{},[711,712,713],"thead",{},[714,715,716,720,723],"tr",{},[717,718,719],"th",{},"Aspect",[717,721,722],{},"Webhooks",[717,724,725],{},"Polling",[727,728,729,741,752,763],"tbody",{},[714,730,731,735,738],{},[732,733,734],"td",{},"Latency",[732,736,737],{},"Near real time",[732,739,740],{},"Depends on poll interval",[714,742,743,746,749],{},[732,744,745],{},"Load",[732,747,748],{},"One request per event",[732,750,751],{},"Constant requests, mostly empty",[714,753,754,757,760],{},[732,755,756],{},"Reliability",[732,758,759],{},"Needs retry handling and monitoring",[732,761,762],{},"Simple, but can miss short-lived states",[714,764,765,768,771],{},[732,766,767],{},"Best use",[732,769,770],{},"Primary channel for status updates",[732,772,773],{},"Safety net and gap recovery",[578,775,776],{},"The practical answer is both: webhooks as the primary channel, with scheduled status queries as the backstop for anything still pending.",[590,778,780],{"id":779},"checklist-for-a-production-ready-webhook-consumer","Checklist for a production-ready webhook consumer",[618,782,783,786,789,792,795,798],{},[598,784,785],{},"HTTPS endpoint with signature or mTLS verification",[598,787,788],{},"Raw payload persisted before processing",[598,790,791],{},"Acknowledgement within the provider's timeout",[598,793,794],{},"De-duplication by message ID",[598,796,797],{},"Idempotent, asynchronous processing",[598,799,800],{},"Alerting on failures and a reconciliation backstop",[578,802,803,804,645],{},"Back to the ",[585,805,806],{"href":54},"Payment Operations hub",{"title":808,"searchDepth":809,"depth":810,"links":811},"",1,2,[812,813,814,815,816,817],{"id":592,"depth":810,"text":593},{"id":612,"depth":810,"text":613},{"id":648,"depth":810,"text":649},{"id":681,"depth":810,"text":682},{"id":705,"depth":810,"text":706},{"id":779,"depth":810,"text":780},"How webhooks and callback APIs deliver payment status updates to your system, how to verify and acknowledge them, and how to handle missed events.","md",null,{},{"title":88},{"title":573,"description":818},{"loc":89},"WUkj-oSxNihSExjyfwXSwPlVExK3ALIxPdXjJpxgaUQ",[827,829],{"title":84,"path":85,"stem":86,"description":828,"children":-1},"Why many payments confirm later rather than instantly, how pending and interim statuses work, and how to design systems that handle delayed outcomes.",{"title":92,"path":93,"stem":94,"description":830,"children":-1},"How idempotency keys, unique references and deduplication rules prevent double charges and duplicate collections when requests are retried.",1785156460224]